Hospital + ExtrasClosed

Top Advanced Hospital Gold $500 Excess & Extra Benefits

A Hospital + Extras product from HCF. Below is the cover registered in the government data: waiting period, benefit per visit and annual limit for each service.

Government data date: 1 October 2026

This product is closed: it no longer accepts new members, but existing members can keep using it.

Services covered (17)

Service	Waiting period	Max benefit per visit	Annual limit
General dental	2 months	Periodic exam (012): $34 Scale and clean (114): $69 Fluoride (121): $27	$300 a year
Major dental	12 months	Extraction (322): $182 Full crown, veneered (615): $580	$1,870 a yearShared with Root canal (endodontics)
Root canal (endodontics)	12 months	Root canal obturation (417): $164	$1,870 a yearShared with Major dental
Orthodontics (braces)	12 months	Upper and lower braces plus retainer (881): $250	$250 a year
Glasses and contact lenses	2 months	Single vision lenses and frames: 100% of the fee Multifocal lenses and frames: 100% of the fee	$200 a year
Non-PBS prescription medicines	2 months	Per prescription: $50	$500 a year
Physiotherapy	2 months	Initial visit: $46 Subsequent visit: $36	$600 a yearShared with Occupational therapy, Speech therapy
Chiropractic	2 months	Initial visit: $35 Subsequent visit: $28	$400 a yearShared with Acupuncture, Osteopathy
Podiatry	2 months	Initial visit: $35 Subsequent visit: $25	$200 a year
Acupuncture	2 months	Initial visit: $30 Subsequent visit: $20	$400 a yearShared with Chiropractic, Osteopathy
Hearing aids	12 months	Per hearing aid: $500	$500 a year
Blood glucose monitors	12 months	Blood glucose monitor: $150	$500 a year
Dietetics	2 months	Initial visit: $50 Subsequent visit: $40	$150 a year
Health management programs	2 months	Health management program: $100	$100 a year
Occupational therapy	2 months	Initial visit: $62 Subsequent visit: $40	$600 a yearShared with Physiotherapy, Speech therapy
Osteopathy	2 months	Initial visit: $40 Subsequent visit: $30	$400 a yearShared with Chiropractic, Acupuncture
Speech therapy	2 months	Initial visit: $60 Subsequent visit: $40	$600 a yearShared with Physiotherapy, Occupational therapy

Not covered: Orthoptics, Audiology (hearing tests), Exercise physiology, Orthotics, Chinese herbal medicine, Remedial massage, Psychology, Vaccinations, Antenatal and postnatal care, Home nursing

Annual limits

Services in the same group share one limit.

General dental
$300 a year
Major dental, Root canal (endodontics)
$1,870 a year
Also includes other services not listed
Orthodontics (braces)
$250 a year, $1,500 lifetime
Glasses and contact lenses
$200 a year
Non-PBS prescription medicines
$500 a year
Physiotherapy, Occupational therapy, Speech therapy
$600 a year
Also includes other services not listed
Chiropractic, Acupuncture, Osteopathy
$400 a year
Podiatry
$200 a year
Hearing aids
$500 a year, 1 per 3 years
Blood glucose monitors
$500 a year, 1 per 3 years
Also includes other services not listed
Dietetics
$150 a year
Health management programs
$100 a year

Insurer's notes (original English)

Product features

$500 combined annual limit for artificial aids (low vision aids, blood glucose monitors, foot orthotics). Foot orthotics is included under the artificial aids limit and has a sub-limit of $200 (1 pair per person per year). Cover for Health Management Programs such as weight management, with a limit of $100 per person/ $200 per family policy. Hearing aid limits increase from $500 to $1,200 based on tenure and renew every 3 years from the date you received them. Travel and accommodation limit of $400 applies and $800 annual limit for school accident benefit.

Other services

General dental $300 limit is for direct fillings. Cover also includes dental check ups with service limits, that are not part of the general dental annual limit. Endodontic, periodontic, oral surgery & occlusal treatment - combined limit of $400. Crowns and Bridges - $750 annual limit. Dentures - $600 every 3 years from the date of service. Orthodontic accrues at $250 per calendar year, up to lifetime limit of $1,500 for Orthodontist ($1,000 for General Dentist). Hearing aid limit renews every 3 years from the date of service. HCF-approved Online Cognitive Behavioural Therapy courses with a separate annual limit per person/ per policy.

Special features

100% back on 2 dental check-ups, prescription glasses and free digital retinal imaging with an eye test, an initial physio, chiro, osteo & podiatry consult as well as 100% back or reduced cost on high quality hearing aids through our partnership with Connect Hearing. Available at participating providers and subject to annual limits.

Frequently asked questions

How much does Top Advanced Hospital Gold $500 Excess & Extra Benefits pay for a scale and clean?

According to government data, Top Advanced Hospital Gold $500 Excess & Extra Benefits pays up to $69 per scale and clean (114), with a 2 months general dental waiting period. General dental annual limit: $300 a year.

What are the waiting periods for Top Advanced Hospital Gold $500 Excess & Extra Benefits?

General dental 2 months, Major dental 12 months, Root canal (endodontics) 12 months, Orthodontics (braces) 12 months, Glasses and contact lenses 2 months, Non-PBS prescription medicines 2 months, Physiotherapy 2 months, Chiropractic 2 months, Podiatry 2 months, Acupuncture 2 months, Hearing aids 12 months, Blood glucose monitors 12 months, Dietetics 2 months, Health management programs 2 months, Occupational therapy 2 months, Osteopathy 2 months, Speech therapy 2 months.

Can Top Advanced Hospital Gold $500 Excess & Extra Benefits be bought on its own?

This product combines hospital and Extras in one policy, with Gold hospital cover.

Already have Extras? Make the most of your limits

Tell us your insurer and product name. We'll help you see what you can claim and find providers who speak your language and offer on-the-spot HICAPS claims.

Free matching